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Boiler and Machinery Insurance

A Unique Name for a Critical Coverage

Boiler and machinery (B&M) coverage may sound like insurance that only a heavy-duty manufacturer or utility might purchase, but it isn’t. In today’s highly automated world, many businesses and organizations depend on electronically powered equipment and devices that can fail without a moment’s notice.

It may not make the evening news when a power surge or low voltage causes:

The shutdown of an office building’s air conditioning system

Damage to the sensitive electrical circuitry of an automated elevator

The failure of a restaurant’s or grocer’s refrigeration system

Damage to a retailer’s electronic cash registers that performs inventory an management functions

Damage to the circuitry of a hospital’s sophisticated, multi-million diagnostic equipment

However, what has become known as equipment breakdown coverage, B&M can be critical in these situations and dozens of others, and your company or organization doesn’t even need to own a building to need this coverage. Just relying on a network of computers, phones, or other equipment that can be damaged by a sudden change in electrical supply can cause a significant loss.

The impact of this growing exposure is too often underestimated. In fact, if your company or organization relies on an electrical system, heating or air conditioning system, or electrically or mechanically powered engine, it could be at risk of a critical interruption in operations.

Typically endorsed onto or part of a property insurance policy, B&M insurance provides much-need coverage for physical and financial damage because of an equipment breakdown, including:

The cost to repair or replace damaged equipment

The loss of business income associated with the loss to the damaged equipment

The costs to temporarily replace equipment

The extra expense to mitigate loss or expedite repairs

But keep in mind that tailoring the appropriate coverage to your specific needs takes a specialist like Alliant Insurance Service, which has both the technical know-how and access to the best carriers.

Developing these types of client-based solutions is something that Alliant has been doing for nearly 90 years. And as the nation’s premier specialty retail insurance brokerage company, Alliant develops cost-saving programs targeted to our clients’ risk profile. Our experience in working with thousands of companies and organizations has given us the ability to provide our clients with solutions and services that are difficult to surpass.​